[Resolved] HDFC Bank — I am complaining about negative balance on my account

@angel

from Mumbai, Maharashtra

Address:

Mind space, Malad West, Mumbai City, Maharashtra, 91

As i had open my salary account in the hdfc bank after sometime i left that company. The bank converted my salary account into the saving account without informing me and there are charges on that account. I visited to the bank to close that account but they are saying to pay the charges 1000/-. I want to close that account. Please help me with this as for me the 1000/- is big amount.

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Jul 3, 2019

Complaint marked as Resolved

HDFC Bank customer support has been notified about the posted complaint.

Verified Support

May 28, 2019

HDFC Bank Customer Care's response Dear Customer,

Average Monthly Balance is calculated out at the end of the month. This is the average of the closing credit balance in the Account at the end of each day during the calendar month (i.e. a total of the daily closing credit balance divided by the total number of days during the month). In case this average is less than the minimum prescribed for your account, the charges for non-maintenance will be levied at the beginning of the following month along with the GST at the applicable rates. You may visit http://bit.ly/2I6BABb for more details of how the Average Monthly Balance is calculated. For a Regular Savings Account, the charges for non-maintenance of Average Monthly Balance is available on http://bit.ly/2JJmRix.

-Nadia
HDFC Bank Customer Assistance

Jun 02, 2019

Updated by @angel I have salary account in the HDFC bank. As per my knowledge salary account can be maintained as zero balance. Then why you are charging charges for non maintenance of average monthly balance.because of these charges i am not able to credit my salary in the HDFC account. I will not pay the charges as i have salary account. I want to close this account.